Voided Check Examples: Your Go-To Guide for 2025

Ever been asked to provide a voided check for direct deposit setup but weren’t quite sure what that meant? You’re not alone. Voided checks play a crucial role in modern banking, serving as a secure way to share your account information without risking unauthorized transactions. In this comprehensive guide, we’ll explore what a voided check example looks like, why they’re important, and how to properly create one. Whether you’re setting up direct deposit with a new employer or authorizing automatic payments, understanding voided checks is an essential financial skill that can save you time and potential headaches.

What Is a Voided Check?

A voided check is simply a standard check from your personal or business checking account with the word “VOID” written across its face. This marking renders the check unusable for payments while preserving all the banking information printed on it. The primary purpose of a voided check is to securely share your banking details with trusted parties who need to set up electronic transfers to or from your account.

Each voided check contains critical information, including:

• Your full name and address
• Your bank’s name and routing number
• Your personal account number
• The check number (typically found in the upper right corner)

Why Are Voided Checks Requested?

Financial institutions and employers request voided checks for several legitimate reasons:

1. Direct Deposit Setup: Most employers require a voided check to establish direct deposit for your paycheck.
2. Automatic Bill Payments: Utility companies, mortgage lenders, and subscription services use voided checks to set up recurring payments.
3. ACH Transfers: For electronic funds transfers between accounts, the receiving institution needs your banking information.
4. Tax Refunds: The IRS may request a voided check for direct deposit of tax refunds.
5. Government Benefits: Social Security, pension payments, and other government benefits often require voided checks for direct deposits.

How to Properly Void a Check: Step-by-Step Guide

Creating a voided check example is straightforward, but precision matters. Follow these steps to void a check correctly:

1. Use a Blue or Black Pen: Choose a permanent ink pen that cannot be easily erased.
2. Write “VOID” in Large Letters: Write across the entire face of the check, covering the payment amount field, date line, and signature line.
3. Avoid Covering Important Information: Ensure the bank routing number and your account number at the bottom of the check remain visible.
4. Make a Record: Before voiding, note the check number in your check register or banking app to maintain accurate records.
5. Make a Copy: Before submitting the voided check, make a photocopy for your records.

Voided Check Examples by Bank

Different banks have slightly different check layouts, but the voiding process remains consistent. Here are examples from major banks:

Chase Bank Voided Check Example Chase checks typically feature a blue design with the Chase logo in the upper left corner. When voided, ensure the “VOID” marking doesn’t obscure the MICR line (the numbers at the bottom).

Bank of America Voided Check Example Bank of America checks often have a subtle background pattern. When voiding these checks, the “VOID” marking should be large enough to cover the central portion without blocking the account information.

Wells Fargo Voided Check Example Wells Fargo checks usually have a stagecoach logo. The “VOID” marking should span across the entire check while leaving the routing and account numbers clearly visible.

Digital Alternatives to Physical Voided Checks

In today’s increasingly digital banking world, physical checks are becoming less common. Fortunately, many institutions now accept digital alternatives:

• Direct Deposit Authorization Forms: Many employers provide their own forms that can be used instead of a voided check.
• Bank-Generated Documentation: Most banks can provide an official letter or form with your account information.
• Online Banking Screenshots: Some institutions accept screenshots of your account information from your online banking portal.
• Mobile Banking App Documentation: Many banking apps can generate the necessary documentation for direct deposit setup.

Frequently Asked Questions About Voided Checks

Can I use a starter check as a voided check?

Typically, no. Starter checks often lack your personal information and may not be accepted for direct deposit setup.

What if I don’t have any checks?

Visit your bank and request a counter check or an official bank letter that includes your routing and account numbers.

Is it safe to provide a voided check?

Yes, when provided to legitimate entities. The information on a voided check is necessary for setting up electronic transfers but cannot be used to withdraw funds without additional authorization.

How long does direct deposit take to set up with a voided check?

Generally, direct deposit setup takes 1-2 pay periods to become active after submitting a voided check.

Can I void a check after it’s been written?

Yes, but it’s better to void a blank check. If you need to cancel a check you’ve already written, contact your bank about placing a stop payment instead.

Security Considerations When Providing Voided Checks

While voided checks are generally safe to share with legitimate entities, follow these security practices:

1. Only provide voided checks to trusted organizations.
2. Never send a voided check via unsecured email.
3. Follow up to confirm receipt of your voided check.
4. Monitor your account for any unauthorized activity.
5. Consider using alternatives like direct deposit forms when possible.

End Note

A properly voided check serves as a secure method for sharing your banking information for legitimate purposes like direct deposit setup and automatic payments. By writing “VOID” across the face of a check while keeping the routing and account numbers visible, you create a document that cannot be used for payment but contains all the necessary information for electronic transfers.

As banking continues to evolve digitally, alternatives to physical voided checks are becoming more widely accepted. However, understanding how to properly void a check remains an important financial skill. By following the guidelines in this article, you can confidently provide voided checks when needed while maintaining the security of your banking information.